Let's Talk Finance - The KDW Podcast

What does it really take to run a modern football club, beyond what supporters see on a Saturday afternoon? Recorded at Kenilworth Road, this special edition of  Let’s Talk Finance  sees Gary Cretton and Marcus Maisey joined by Luton Town CFO Tom Schofield and Senior Finance Manager James Turner to explore the financial realities behind the game. From budgeting and regulation to the shar...

In this special Budget edition of Let’s Talk Finance, Gary and Marcus cut through the speculation and noise to focus on what the Autumn Budget really means for your money. With rumours swirling in the days before the statement, they explain which changes actually landed, which never materialised, and why this Budget is best understood as a slow-burn set of reforms rather than a sudden shock. They...

In this episode, Gary and Marcus discuss the implications of the Spring Statement for pensions, inheritance tax, and estate planning. With pensions set to be included in estates for inheritance tax purposes from 2027, many long-standing strategies are being reconsidered. They explore how financial planning has shifted, why reviewing your income and asset structure is now essential, and what steps...

In this episode, Gary and Marcus discuss the dramatic impact of Donald Trump’s declaration of “Liberation Day” on global financial markets. With sudden tariffs and international uncertainty, investors are understandably nervous. But is this a time for panic, or perspective? Drawing on their decades of experience and client conversations, they offer calm, expert insight into what this kind of marke...

Join Gary and Marcus as they sit down just a few hours after The Autumn Budget to explore how it affects you and your money. How will the changes to Inheritance Tax impact on you and your family? What will happen with your pension when you die and how will it now be taxed? What is the impact of the changes in Capital Gains Tax levels? How will businesses be affected by the new rules? Will you have...

Debunking the myths around financial advice, in this episode Marcus and Gary take a deep dive into Equity Release, asking if you should pay off your mortgage? Equity release has had a bad name in the past, and often rightly so, but with new products and planning techniques there can be occasions when this is suitable for your financial planning. What is Equity Release? What are the biggest misconc...

Debunking the myths around financial advice, in this episode Marcus and Gary tackle the complex question of protection, and ask whether life cover is a waste of money? Nobody wants to think about protection and life cover, but the consequences of burying your head in the sand can be far worse. If you have anyone depend on you, particularly if you have a young family, protection is often the first...

Debunking the myths around financial advice, in this episode Marcus and Gary talk about mortgages, and ask, “Does your mortgage work for you?”. What are the different types of mortgage, what is the difference between fixed rate and tracker mortgages? How much can you borrow? How do you get a mortgage? Should you go direct to a bank or building society or should you get independent financial advice...

Debunking the myths around financial advice, in this episode Marcus and Gary explain the key issues around inheritance tax (IHT) and tax planning.  When does IHT need to be paid, and how can you reduce it? Is it legal and moral to mitigate inheritance tax? Are married couples always exempt from IHT? Are foreign assets exempt from UK inheritance tax? Should I put my house in my children’s name...

Debunking the myths around financial advice, in this episode Marcus and Gary talk talk about investments and take a deep dive into the difference between ISAs and Pensions, asking whether you should invest in one or the other? What is the difference between cash investments and stock market investments? Is it risky to invest in stocks and shares? Should I invest in property? Where and how do I beg...

Debunking the myths around financial advice, in this episode Marcus and Gary talk talk about penstions, asking “How much do YOU need to retire?”. They explore common misconceptions around pensions, ask when you should (and shouldn’t) be paying into a pension, look at the role of financial advisors in planning your pensions and ask the 5 most Googled questions about Pensions. If you enjoy this seri...